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Insurance Plans Comparison

HDFC ERGO Optima Lite vs Royal Sundaram Family Plus

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

Optima Lite

Restore your sum insured unlimited times for the same or a different illness, add 10% of the base sum insured every year even after a claim, up to 100%, and cap room rent at 1% a day.

What Makes It Special:

HDFC ERGO Optima Lite is a health insurance plan with ₹5 lakh and ₹7.5 lakh base sum-insured options, unlimited automatic restoration, cumulative bonus and preventive health check-ups. It also offers optional benefits such as an aggregate deductible, Protect Benefit and Plus Benefit, allowing customers to adjust coverage and premiums according...

Best For:

  • Policyholders who want the flexibility to add non-medical expense coverage or increase their cover through optional benefits.

  • Customers looking to manage premiums through an optional aggregate deductible.

  • Buyers who value repeated restoration of the base sum insured for subsequent admissible claims.

  • Families considering individual or family floater coverage under one policy.

  • Individuals seeking a base health cover of ₹5 lakh or ₹7.5 lakh.

VS
Royal Sundaram

Family Plus

Give each member an individual sum insured plus a shared floater, with no room rent cap, a one-time reload for a different illness after both are used up, and maternity cover of up to ₹50,000 a delivery.

What Makes It Special:

Family Plus focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

HDFC ERGO Optima Lite

  • Check whether Protect Benefit or Plus Benefit is selected, because these optional benefits are not automatically included in every policy.

  • Consider the aggregate deductible only if you can afford to pay the selected deductible amount when making claims.

  • Review the waiting periods and confirm the applicable PED terms against your medical history before purchasing.

  • Check the 1% room-rent and 2% ICU daily limits before choosing the plan, as exceeding the applicable limits may result in proportionate deductions.

  • Compare the ₹5 lakh and ₹7.5 lakh base options against your expected hospitalisation costs and financial capacity.

Royal Sundaram Family Plus

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Lite
Optima Lite

Health Insurance Plan

Brochure

Policy Wording

VS
Family Plus
Family Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Lite

Normal: Up to 1% of Base Sum Insured per day

ICU: Up to 2% of Base Sum Insured per day

VS

Family Plus

Normal: No Room Rent Capping

ICU: Covered up to Sum Insured

Advanced Treatments

Optima Lite

Robotic Surgeries

Oral Chemotherapy

Deep Brain Stimulation

Balloon Sinuplasty

Bronchial Thermoplasty

Stereotactic Radio Surgeries

Intra Vitreal Injections

Immunotherapy

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Stem Cell Therapy

VS

Family Plus

Not mentioned

ICU Charges

Optima Lite

Up to 2% of base sum insured per day.

VS

Family Plus

Information Unavailable

Co-payment

Optima Lite

Not mentioned

VS

Family Plus

Not mentioned

Disease-wise sublimits

Optima Lite

Not verified for all listed treatments; refer to the applicable policy wording.

VS

Family Plus

Information Unavailable

Waiting Period

Optima Lite

Information Unavailable

VS

Family Plus

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 36 Months

Specific Disease/Procedure Waiting Period: 24 Months (16 specified diseases/conditions)

Maternity Waiting Period: 24 Months

Cashless Healthcare Providers

Optima Lite

16,000+ Cashless Healthcare Providers

VS

Family Plus

7,000+ Network Hospitals

Restoration Benefit

Optima Lite

Unlimited automatic restoration of up to 100% of base sum insured for subsequent claims during the policy year, subject to conditions.

VS

Family Plus

Information Unavailable

Daycare Treatment

Optima Lite

Covered up to Sum Insured

VS

Family Plus

Covered up to Sum Insured

Cumulative Bonus

Optima Lite

10% of base sum insured per policy year, up to 100%, irrespective of claims.

VS

Family Plus

Information Unavailable

AYUSH Treatment

Optima Lite

Covered up to Sum Insured

VS

Family Plus

Covered

Consumable Cover

Optima Lite

Optional Protect Benefit covers listed non-medical expenses and consumables.

VS

Family Plus

Information Unavailable

Initial Waiting Period

Optima Lite

30 days for illnesses; eligible accidental injury claims are exempt.

VS

Family Plus

Information Unavailable

Specific Waiting Period

Optima Lite

2 years for specified illnesses and procedures.

VS

Family Plus

Information Unavailable

PED Waiting Period

Optima Lite

Not verified; confirm against the applicable policy wording.

VS

Family Plus

Information Unavailable

Annual Health Checkup

Optima Lite

Available annually after the first policy year; limit depends on policy type.

VS

Family Plus

Information Unavailable

Pre-Hospitalisation

Optima Lite

30 days for eligible expenses.

VS

Family Plus

Information Unavailable

Post-Hospitalisation

Optima Lite

60 days for eligible expenses.

VS

Family Plus

Information Unavailable

Outpatient Department Cover (OPD Expense)

Optima Lite

Optima Wellbeing add-on offers OPD-related services in select cities; not a standard base-plan benefit.

VS

Family Plus

Information Unavailable

Deductible Option

Optima Lite

Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.

VS

Family Plus

Information Unavailable

Coverage Options

Optima Lite

₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.

VS

Family Plus

Information Unavailable

Claim Settlement Ratio

Optima Lite

Not verified using the latest comparable insurer-level CSR metric. Do not substitute older marketing figures or a different claims metric.

VS

Family Plus

Information Unavailable

Maternity Cover

Optima Lite

Covered up to the applicable sum insured, subject to policy terms and exclusions.

VS

Family Plus

Information Unavailable

Insurance Plans Comparison

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Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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